Merchant Offboarding & Termination Analyst

ThisisWorldline

We are the innovators at the heart of the payments technology industry shaping how the world pays and gets paid. The solutions our people build today power the growth of millions of businesses tomorrow. From your local coffee shop to unicorns and international banks. From San Francisco to Auckland. We are in every corner of the world in every part of commerce. And just as we help our customers accelerate their business we are committed to helping our people accelerate their careers. Together we shape the evolution.

The Opportunity

In the KYC area Customer Lifecycle Offboarding and Termination Team is responsible for managing the final stage of the customer lifecycle ensuring that customer relationships are concluded in a controlled compliant and risk-aware manner. The team plays a critical role in protecting the institution from regulatory financial and reputational risk by identifying customers that no longer meet the organizations risk appetite or commercial viability criteria and ensuring appropriate exit actions are taken.

This function operates at the intersection ofKYC AML Risk Compliance Legal and Operations ensuring that customer exits are executed in line with internal policies regulatory requirements and contractual obligations.

The team is located inWarsaw; however our stakeholders are all over the world. We are all hard-working knowledgeable dedicated experienced and fun individuals who look forward to having you on board and helping you to get up to speed. We are an open team and value continuous knowledge sharing among team members as we strive to become better every day.

Day-to-day responsibilities

• Managing end-to-end offboarding and termination of customer relationships in line with internal policies and regulatory requirements
• Identifying inactive or high-risk customers and performing final KYC and risk validations
• Coordinating account closures ensuring proper handling of balances obligations and customer communication
• Documenting and justifying exit decisions particularly in AML sanctions fraud and reputational risk cases
• Collaborating closely with Compliance Legal Risk Operations and Front Office teams
• Maintaining audit-ready documentation and supporting internal and external regulatory reviews
• Preparing management reporting on exit volumes and risk trends
• Contributing to process improvements automation initiatives and control enhancements across the customer lifecycle

Who Are We Looking For

We look for big thinkers. People who can drive positive change step up and show whats next people with passion can-do attitude and a hunger to learn and practice this means:

• Excellent command of English on the minimum C1 level
• Previous experience in KYC AML compliance or merchant risk assessment
• Prior experience in risk-driven exits would be a plus
• Attention to detail and analytical skills problem-solving attitude
• Experience in working in an international environment
• A strong sense of ownership governance discipline and the ability to balance regulatory compliance risk mitigation and customer fairness are essential.
• Ability to work with various computer systems/program

Perks & Benefits

At Worldline youll get the chance to be at the heart of the global payments technology industry and shape how the world pays and gets paid. On top of that you will also:

• Private medical & life insurance
• MyBenefit Platform
• Holiday allowance
• Referral program
• Public transportation allowance
• Meal allowance
• Annual bonus

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology and we look for big thinkers people with passion can-do attitude and a hunger to learn and grow. Here youll work with ambitious colleagues from around the world take on unique challenges as a team and make a real impact on the society. With an empowering culture strong technology and extensive training opportunities we help you accelerate your career - wherever you decide to go. Join our global team of 18000 innovators and shape a tomorrow that is yours to own.

Learn more about life at Worldline at

We are proud to be an Equal Opportunity employer. We do not discriminate based upon race religion color national origin sex (including pregnancy childbirth or related medical conditions) sexual orientation gender identity gender expression age status as an individual with a disability or any applicable legally protected characteristics.

Pursuant to the Article 24 sec. 6 of the Act of 14 June 2024 on the protection of whistleblowers we inform you that Worldline Financial Services (Europe) S.A. a joint-stock company Branch in Poland (hereinafter referred to as Worldline) is governed by the Regulations on the receipt of internal reports and taking follow-up actions (hereinafter referred to as the Regulations).

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